New York allows direct access to physical therapy — you can start treatment without a doctor's referral for an initial evaluation and up to 10 visits or 30 days. However, some insurance plans still require a referral for coverage. We'll check your specific plan and let you know.

Coverage varies widely. Many plans allow 20–60 visits per year, but some have limits based on condition or require re-authorization. Preventive or maintenance visits may have different rules. We'll verify your exact benefits.

We happily see out-of-network patients and provide superbills for you to submit for reimbursement. Many plans cover a percentage of out-of-network PT services. We'll estimate your potential reimbursement upfront.

Yes — Medicare Part B covers medically necessary outpatient physical therapy. There may be copays (typically 20% after deductible) and annual therapy caps may apply in some cases. We are Medicare providers and handle the details.

Most plans include deductibles, copays per visit, or coinsurance. Once you reach plan limits or annual maximums, additional costs become your responsibility. We always provide estimates to avoid surprises.

We'll help you understand the reason and assist with appeals or resubmissions when possible. Common issues include missing authorizations or documentation — we work proactively to prevent them.